USAA Savings Credit Card Complaint

USAA Savings Credit card department,

APR or interest rate Arizona

On - -, - USAA, had debited my checking account for $56.00 for payment to my closed Credit Card ( CC ) Acct, without myself scheduling the payment on their bill pay or my authorization. So they applied a credit card payment reversal to my chking account. iI later that day did schedule payment for my closed cc account. When I received my - statement for my open cc account, I noticed USAA charged my open cc account $56.00 and applied it as a payment to my closed cc account and my scheduled payment. So - payments were applied to my closed cc account. On - -, -, I called USAA and they said it was an error on their part. Because they made this error, I thought I 'd look over my closed account statement closely and I noticed that USAA had increased my interest rate on my closed credit card account from 7.15 % to 7.40 % back in - - WITHOUT NOTIFYING ME. This account has been closed over 5 years now and have been paying a fixed interest rate of 7.15 % when I closed this account. My earliest bank statement that i have indicating that i was paying this interest rate goes back to - -. I called USAA and they said there was nothing they could do. My complaint is, why is USAA increasing my interest rate on my closed credit card account when it has been closed for over 5 years now. Does n't opting out protect my outstanding balance at the lower interest rate at the time my account was closed? Does n't the Credit Card Act prevent banks from increasing interest rates on closed accounts arbitrarily? USAA had not been receptive with me when bringing this situation forward to them.